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For the last twenty years, Hormuud has contributed significantly to Somalia&rsquo;s growth and development. Following the civil war, our business established itself as a leading advocate and supporter within the community.
As the nation&rsquo;s first telecom operator, we built vital infrastructure that pathed the way for enhanced connectivity. Where two decades ago, just 1% of the Somalian population had access to phones, today, nine out of ten Somalis own a mobile phone, and 70% of the population is connected to a telephone network.
In our mission to promote financial inclusion and drive economic empowerment, Hormuud attained Somalia&rsquo;s first-ever mobile money licence through EVC Plus. Mobile money has since played a crucial role in the nation&rsquo;s progress.
What began with 98% of counterfeit shillings and widely inaccessible banking systems 20 years ago; has been transformed into a nation with 70% of mobile money penetration. Now, only 6% of the population uses cash, and Hormuud continues to push the country towards being the second African country to achieve 100% financial inclusion. One day, I hope we will become Africa&rsquo;s first cashless society.
Besides supporting economic activity and entrepreneurial action, EVC Plus has also used mobile money to reach the inaccessible and provide immediate assistance to victims of dire famine. Hormuud stands as the cheapest mobile internet provider in Africa to further encourage digital access and fully accommodate the needs of the Somali people.
EVC Plus exemplifies Hormuud&rsquo;s sustained commitment to uplifting the community, taking account of the challenging realities most Somalis face while striving for elevated standards to remain competitive players on the global stage.
In the face of social and economic instability, we will continue to craft new avenues for economic expansion, entrepreneurialism, and further education. Through platforms such as Buruuj Technical School and the Hormuud Salaam Foundation, our ambition to create platforms that foster talent, promote learning and sustainably provide for the growing needs of the Somali people remains as strong as ever.
&nbsp;

Hormuud: Leading Somalia’s digital evolution

Hormuud Telecom has won the "Changing Lives Award" which is presented at the #AfricaTechFestival2022 on November 9th in Cape Town, South Africa.
This annual award is given to companies that play a role in changing the lives of their communities for the better. With its EVC plus service, Hormuud Telecom has made it possible for NGOs to send money aid to those hardest to reach at a touch of a button.
Millions of Somalis have been displaced by severe droughts, and are on the verge of famine. Aid has become a lifeline for many Somalis. With only 15% of the population having a bank account, reaching individuals migrating from drought-affected areas has been difficult.
However, Many IDPs use Hormuud Telecom's EVC Plus mobile money service, which is free at the point of use and is used by over seven in ten Somalis (76%).
Hormuud Telecom&rsquo;s humanitarian portal provides a traceable, efficient, and timely way to distribute cash assistance via mobile money. The service is regulated by the Central Bank of Somalia and complies with international standards. Considering many humanitarian organizations left Somalia during Covid-19, Hormuud is enabling organizations to donate from anywhere in the world, continuing to access and help beneficiaries.&nbsp;
This portal is used by international aid donors, as well as grassroot organizations, and is an effective solution for reaching those affected by the drought. EVC Plus runs on both smart and basic cell phones. So, in creating a digitally inclusive platform for humanitarian organizations to use, mothers can now purchase food and water to keep their families alive. They can also share aid with their relatives at no cost. Since 2020, the humanitarian portal has seen a surge in donations of 50%, demonstrating its crucial role in providing aid to one of Somalia's most vulnerable populations in their hour of need.
Finally, Hormuud Telecom's award today joins the company's ever-growing list of international awards and certifications, which includes ISO, GSMA, and GLOMO.

Hormuud Telecom Has Won Yet Another International Award!

Kadib burburkii dowladdii dhexe ee 1991, Soomaaliya waxa ay gashay xaalad mugdi ah, waxaana mar qura la waayey adeegyadii asaasiga ahaa oo ay dowladda dhexe bixin jirtey.
Sawirka laga haystay Soomaaliya 30 kii sano ee la soo dhaafay wuxuu ahaa dal wax waliba ay ka burbureen, balse waxaa xaqiiqa ah in dhanka kale ay dadka Soomaaliyeed muujiyeen adkaysi iyo isku tashi.
Wadanka oo ku jira xaaladaas murugsan ayaa &nbsp;waxaa u kacay jiil u istaagay badbaadinta dadka iyo dalka, kuwaasi oo bilaabay adeegyada aasaasgsiga ah sida tacliinta, caafimaadka, isgaarsiinta, maaliyadda &amp; tamarta, tusaalana u noqday muwaadiniinta kale.
Jiilkaas oo isugu jiray macalimiin, dhakhaatiir, iyo ganacsato ayaa waxa &nbsp;ay u soo dhabar adaygeen duruufihii adkaa ee uu dalkeennu soo maray, iyadoo 30 sano ka dib maanta &nbsp;la guranayo mirihii ay abuureen, walina ay u taaganyihiin in ay dalkooda si hagar la&rsquo;aan ah ugu sii adeegaan.
Sanadkan 2022 oo ku began 20 sano guurada aasaaska shirkadda Hormuud Telecom ayaa shirkaddu waxay xil gaar ah iska saartay in la agaasimo munaasabad loogu magac daray Guulaystayaasha Soomaaliyeed laguna bogaadinayo shakhsiyaadkii iyo hay&rsquo;adihii u soo dhabar adeygay, guushana usoo hooyey dalkooda 20 kii sano ee la soo dhaafay.
Munaasabaddan oo socon doonta muda 2 maalin ah oo ku beegan 19 &amp; 20-ka bisha October ayaa waxa ay shirkaddu ugu talagashay in dhammaan bulshada qaybeheeda kala duwan ka &nbsp;soo qayb galaan iyada oo lagu soo bandhigi doonto fursado qiimo dhimis, ku dhawaaqid adeegyo cusub iyo bandhig carweed ay ka qeyb galayaan shirkadaha kala duwan ee hoos yimaada Hormuud telecom.

Hormuud Telcom Oo Abaal Marineysa Guuleystayaasha Soomaaliyeed Ee 30-kii Sanno La Soo Dhaafay ! 

Founded in 2002 and built by Somalis for Somalis, Hormuud Telecom has grown from humble beginnings to become one of the leading purpose-driven companies in the Horn of Africa.
As Hormuud Telecom commemorates its 20th anniversary, we take a look back at some of the company's most significant accomplishments; the following are the top Nine of the company's greatest achievements:
<ol>
<li> Over 12,000 dedicated shareholders</li>
<li>&nbsp;</li>
</ol>
Hormuud Telecom was founded by just two hundred and eighty-three shareholders who come together and laid down a vision to transform the lives of their communities and to connect Somalis worldwide through a variety of products and services.
Over the course of 20 years, Hormuud Telecom became the largest company in Somalia with the highest number of shareholders from 283 to 12,000, owned entirely by Somali businessmen.
<ol start="2">
<li> Strengthening Somalia's economy through the creation of new jobs</li>
<li>&nbsp;</li>
</ol>
There are many factors that need to be in place for a country to succeed economically. One of those factors is employment, throughout&nbsp;the past 20 years; Hormuud Telecom has created thousands of jobs for Somalis in a country characterized by severe unemployment and a lack of conducive working conditions. This 20 years old company employs over 35,000 Somalis, making it the largest employer in Somalia.
Hormuud Telecom recognizes that its employees are its most valuable asset, so it offers a wide range of employee benefit and welfare programs designed to ensure the safety and well-being of employees. Such as decent, livable salaries that are commission-based. Healthcare coverage, 120 days of paid maternity leave, four weeks of paid annual leave. Yearly bonuses based on individual and company performance etc.
With the existence of a dire unemployment situation in Somalia, Hormuud telecom is helping thousands of people find satisfying livelihoods. Tens of thousands of agents sell the company's services and products to end users.
<ol start="3">
<li> Providing reliable services to over millions of people and installing over 800 towers</li>
<li>&nbsp;</li>
</ol>
Hormuud Telcom is renowned throughout the southern and central parts of Somalia as the leading provider of reliable and timely services to more than four million people on a regular basis and is also known for its introduction of the latest technologies to those communities.
During the past two decades, Hormuud Telecom has managed to deliver a world-class telecommunications service to every place with 50 households in the south and central parts of Somalia, and has installed more than 800 towers or antennas, making it the country's largest network.
<ol start="4">
<li> The first company in the country to provide internet services</li>
<li>&nbsp;</li>
</ol>
In 2009 Hormuud Telecom introduced the country's first type of mobile phone internet called GPRS and it continues to bring the latest innovations to the country ever since. During the past few decades, Hormuud Telecom has been a pioneer in providing the latest Internet services throughout the country and has consistently provided the most advanced technology used by the most developed countries in the world.
According to a survey conducted in 2020 by the British technology research firm Cable, Somalia overtook many African countries with regard to internet accessibility despite the political and security challenges, and is now considered as one of the countries in the world with affordable internet, ranking number one in Africa, and seventh worldwide in 2020.
<ol start="5">
<li> Somalia's most popular mobile money platform</li>
<li>&nbsp;</li>
</ol>
The introduction of EVC Plus in 2011 is yet another landmark achievement for Hormuud telecom and a reason for you to celebrate our 20th anniversary with us. With EVC Plus is a unique&nbsp;option to send and receive mobile money, and it is the country's most popular mobile money wallet.
Over 67% of Somalis, especially the most vulnerable communities, use mobile money technology as the sole payment system. And it has had a positive impact on small-scale businesses in the country, mainly run by female vendors and entrepreneurs, sparing them much-needed time and money.
EVC Plus differs from many other mobile money platforms in Africa by being completely free at the point of use, and it has several key features such as a person-to-person money transfer, a person-to-merchant/business money transfer, airtime/data top-up, account management, and many more.
A year after Hormuud telecom was awarded a license by the National Communications Authority (NCA), Hormuud's EVCPLUS was granted a license by the Somali Central Bank in 2021. This licensing was granted on the basis that Hormuud's EVCPLUS adhered to the Somali Central Bank's financial regulations.
<ol start="6">
<li> The country&rsquo;s first fiber optic link</li>
<li>&nbsp;</li>
</ol>
In 2013, Hormuud Telecom signed an agreement with the African fiber optic company Liquid Telecom, to connect to the company's 17,000 km (10,500 mile) network of terrestrial cables crossing 11 African countries.
Bringing the fiber optic internet cables to Somalia was another landmark achievement for Hormuud Telecom, which resulted in Somalia having the cheapest internet in Africa.
<ol start="7">
<li> Over 500 customer service sites</li>
<li>&nbsp;</li>
</ol>
Over the past 20 years, Hormuud Telecom has established hundreds of customer service centers, staffed by highly trained employees that are dedicated to providing excellent service to customersThe company began with only 16 customer service sites to meet the communication needs of the Somali population. However, after over 2 decades of expansion, Hormuud telecom now has more than 500 customer service centers, which people can get all the company's various services and products.
<ol start="8">
<li> First Somali corporate entity to achieve (ISO) certification</li>
<li>&nbsp;</li>
</ol>
As a result of A hard-fought eight-year effort, Hormuud Telecom received the International Organization for Standardization certification in 2020, becoming Somalia's first private company to be (ISO) certified. This recognition allows the company to serve its customers globally and conduct business with international companies.
Hormuud Telecom has attained a globally recognized mobile money certification from trade body the GSMA, an achievement that paves the way for the operator to contribute to Somalia&rsquo;s stability and focus on key growth areas.
<ol start="9">
<li> Mobile money certification from the GSMA</li>
<li>&nbsp;</li>
</ol>
During March 2022, Hormuud Telecom received a prestigious Mobile Money Certification from the global mobile network operators' industry body (GSMA) for its EVC Plus mobile money platform, which currently serves 8.8 million active subscribers, making Hormuud the first Somali company to receive the GLOMO Award.
A total of 300 criteria were assessed during Hormuud's accreditation process, including safeguarding of funds, fraud prevention, system security, and data privacy.
This award recognizes Hormuud Telecom's company social responsibility efforts as it supports the needs of emergency humanitarian situations in Somalia through mobile innovation.
In conclusion, Hormuud Telecom has been a major contributor to the country's economic development over the past two decades by investing in key sectors, rebuilding critical infrastructure, and creating employment opportunities throughout the country. Furthermore, Hormuud Telecom guarantees that, in the next twenty years, it will continue to offer superior products and services to its customers and hopes to generate new ideas and opportunities for the Somali people.

Our top 9 milestone achievements of the past 20 years 

The recent <a class="" href="https://www.gsma.com/mobilefordevelopment/wp-content/uploads/2021/03/GSMA_State-of-the-Industry-Report-on-Mobile-Money-2021_Full-report.pdf" target="_blank" rel="noopener ugc nofollow">GSMA report</a>&nbsp;puts Africa at the forefront of the mobile money revolution. In 2021, the industry processed over $1 trillion in transactions &mdash; 70% of which were in Africa alone. In Somalia, digital payments have transformed our economy. Not least because of the scale of mobile money proliferation.
Approximately&nbsp;<a href="https://www.worldbank.org/en/news/press-release/2018/09/13/somalia-economic-update-rapid-growth-in-mobile-money" target="_blank" rel="noopener ugc nofollow">155 million mobile money</a>&nbsp;transactions are recorded in Somalia per month and over 70 percent of adult Somalis use mobile money services. This is not by chance. Since its inception, Hormuud carefully considered mobile money&rsquo;s evolution and so designed our services to meet on-the-ground realities.
We knew that in a rapidly rebuilding country, with so much potential, we needed a way to safely transact in an environment where&nbsp;<a href="https://www.google.com/search?q=somalia+counterfeit+money&amp;oq=somalia+counterfeit+money&amp;aqs=chrome..69i57j33i160l2.3384j0j7&amp;sourceid=chrome&amp;ie=UTF-8" target="_blank" rel="noopener ugc nofollow">98% of our currency is counterfeit</a>. We have always been intentional in growing mobile money access &mdash; understanding how we can make this as easy as possible for the business community, as well as families and individuals.
This is why we introduced a mobile money service (EVC Plus) that is free at the point of use. This was, and continues to be, a key part of our business strategy. With 76 percent of Somalia&rsquo;s population being unbanked, we believe that mobile money allows those who have been financially excluded to access the formal economy.
Continuing to chart the road ahead for digital payments is deeply intertwined with our wider development aims. Access to formal markets and financial institutions is on the rise &mdash; but we need to provide more digital infrastructure alongside fostering mobile money usage. Somali users have access to the cheapest data in Africa, and the third cheapest in the world. But without increased access this is meaningless.
Looking forward, while data is not currently needed to facilitate mobile money transfers, what our services (like the cheap mobile internet) have proven is that increasing rural 4G and smartphone access is crucial. Like the proliferation of mobile money, this increase in data access will unlock new potential for our customers. This will create a wider financial ecosystem of services and provide a multiplicity of benefits from e-healthcare to online education tools to training and skills provision.
We are excited to continue playing a role in, and continuing to prioritise, Somali innovation.

Centring Somalia’s mobile money ecosystem in global debates

Access to the internet is a human right. It is an essential instrument to developing nations that enables vital services such as aid and international remittances, whilst underpinning day-to-day business and educational activities.
Since Hormuud Telecom&rsquo;s humble beginnings, our mission has been to bring trusted telecoms and broadband services to the four corners of Somalia. Connecting Somalis to one another, and the world, is essential to building our budding modern economy.
We began expanding our 4G network capacity in 2015 in partnership with Somalia&rsquo;s Ministry of Telecommunications. As a result, they estimate that 70% of Somalia&rsquo;s 15 million population now have access to 4G internet.
For a long time, this 4G access has been concentrated in our metropolitan areas. Somalis in rural areas have not had the same level of service as their big-city compatriots. As such, 30% of Hormuud&rsquo;s 3.6 million customers still rely on our 2G network. We plan to change this.
We&rsquo;re delighted to announce Hormuud&rsquo;s ambition to bring broadband speed, 4G data, to every Somali citizen by 2023. Increasing access to 4G internet is critical to Somalia achieving its goal of becoming a cashless economy. Hormuud&rsquo;s aim for total 4G expansion in two years is in line with the government&rsquo;s National ICT Policy which pledges to reach total 4G coverage in Somalia in-between 2024&ndash;2025. This expansion project will be carried out in partnership with the Ministry of Telecommunications.
The average Hormuud data user consumes 5GB of data monthly, up from a national average of around 1&ndash;2GB a year ago. We predict that this is largely because of the pandemic. As we turn the corner on these trying times, we anticipate data usage to continue to increase. Our network expansion will respond to the growing demand for high-speed internet across the country.
On top of providing an excellent broadband service, we are incredibly proud to offer our customers the lowest data prices in Africa, with 1GB starting at $0.18. In contrast, the same amount of data starts at $1.05 and $2.44 in neighboring Kenya and Ethiopia.
Access to the 4G network is fundamental to Hormuud&rsquo;s ambitions to provide &lsquo;inclusive and sustainable economic growth&rsquo; for Somalis in line with the UN&rsquo;s SDGs. We are proud to have long played a leading role in bringing Somalis online. This expansion project will help develop our economy and continue to grow our connections with one another.

Our mission to connect every Somali to high-speed internet by 2023

Somalia&rsquo;s financial systems have improved and securitised exponentially over the last 10 years. The country is now on the cusp of becoming the world&rsquo;s first cashless society, a reality that remains far off for developed economies such as the US and UK.
The introduction and adoption of mobile money over the past 10 years, culminating in Hormuud Telecoms being awarded the country&rsquo;s first ever &lsquo;mobile money licence&rsquo; by the Central Bank, is a mark of pride. Customer support of Hormuud&rsquo;s EVC Plus mobile money payment system has propelled Somalia to world leader status in the use of &lsquo;mobile money&rsquo; by population.
The latest reform by the Somali Central Bank introduced a central payments system which connects lenders, making payments easier for citizens everywhere. This means that the untapped market of Somali business is a ripe opportunity, at least for those savvy enough to seize this moment. This comes on top of debt-relief deal the Somali government secured with the World Bank and the International Monetary Fund last year.
Somalis and the Somali diaspora can now have confidence that when they carry out business in Somalia, they will have the same financial power they do elsewhere. The reforms and the security of Hormuud&rsquo;s payment system is creating a Somalia where soon working abroad is a career perk, not a business necessity.
Proven domestic confidence in our improved financial infrastructure also showcases Somalia&rsquo;s potential for foreign investment. This is not to say that investments are not without risk. Thirty years after our civil war, we are still dealing with protracted security issues, producing the sort of headlines in international press to discourage outside investment. All investments are risky, it is the nature of business. Investment in Somalia remains riskier than in most places, but with risk could come higher rewards.
60% of Somalia&rsquo;s population is under 30 years old. They are scrappy, hardworking, and eager to grow their skills and better themselves and their country. They are tech savvy; 85% of Somalis use mobile money (compared to fewer than four in ten in Nigeria, Africa&rsquo;s biggest economy, and far more than the populations of the UK and US). A World Bank report referred to Somalis as having a &ldquo;well-known entrepreneurial spirit,&rdquo; this cultural tendency in addition to our securitised financial systems should encourage foreign investment.
Despite mobile penetration, until this month Somalia&rsquo;s financial set up meant that lenders could only interact with each other on an extremely limited basis. This made payments needlessly difficult and reinforced a reliance on the US dollar while holding back businesses looking to grow across the country. Thankfully, this is now poised to change.
Somalia received no foreign investment for a 20-year period up until 2013. Early investors in Somalia understood, to see it simply as the headlines portray it is short-sighted. Somalia&rsquo;s economy will likely expand 2.9% this year, according to the IMF. The amalgamation of this and Somalia&rsquo;s new payments system should propel foreign investors forward into the state with confidence.
Hormuud is proud to work with the government to provide the foundations necessary for domestic and foreign investment, raising Somalia&rsquo;s standing on the world stage. Our focus continues to be on enriching the lives of Somalis and building conditions in which Somali entrepreneurs can thrive.
&nbsp;